Fresno, CA · Cert 57098
FDIC · 6 branches
Q2 2022
Market Position · Fresno, CA · 2022 SOD (annual) · 3.4% share · #10 of 22 inst. · $0.7B of $21.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.52% | 0.88% | -0.40% | 0.93% | -39 bps | |
| Return on Equity | 9.73% | 11.80% | 6.84% | -3.24% | 8.42% | -131 bps | |
| Net Interest Margin | 3.57% | 3.68% | 3.15% | 3.14% | 3.21% | -36 bps | |
| Efficiency Ratio | 48.65% | 47.71% | 67.67% | 67.04% | 57.62% | +897 bps | |
| Non-Interest Burden | 1.52% | 1.55% | 2.00% | 1.93% | 1.53% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.20% | 15.74% | 13.73% | 15.33% | 17.08% | +788 bps | |
| Loan Growth (YoY) | 12.25% | 8.43% | 12.66% | 10.46% | 7.71% | -455 bps | |
| Deposit Growth (YoY) | 10.85% | 15.50% | 25.60% | 19.78% | 21.92% | +1,107 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.43% | 0.11% | 0.14% | 0.11% | -33 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | -0.02% | 2.89% | 0.04% | +5 bps | |
| Allowance / Loans | 0.99% | 1.00% | 0.95% | 0.92% | 1.00% | +1 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.3x | 8.8x | 6.3x | 8.7x | +6.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.67% | 8.50% | 9.22% | 8.83% | 8.45% | -22 bps | |
| Total Risk-Based Capital | 12.16% | 11.99% | 12.82% | 12.51% | 11.74% | -42 bps | |
| Equity / Assets | 13.27% | 12.60% | 13.19% | 11.82% | 10.23% | -303 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.72% | 66.53% | 66.47% | 64.53% | 62.48% | -824 bps | |
| Liquid Assets / Assets | 0.34% | 0.24% | 0.44% | 0.52% | 1.78% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |